RAW Capital Partners has introduced a new overpayment feature across its mortgage range, allowing new customers to make one fee-free overpayment of up to 10% of their outstanding loan balance each year.
The Guernsey-based specialist lender is best known for providing bespoke mortgages to foreign nationals, UK expats and Channel Islanders purchasing buy-to-let investment property in the UK. As of December 2025, it has also begun offering mortgages to UK-resident borrowers.
The new overpayment option has been designed to provide additional flexibility for landlords using interest-only mortgages. By enabling borrowers to reduce their loan balance during the term, the lender says the feature can help increase equity across UK property portfolios and lower the overall cost of borrowing over the life of the loan.
Under the updated terms, borrowers are able to make a single annual overpayment of up to 10% of the outstanding loan amount without incurring early repayment charges.
This applies across the lender’s mortgage range and is available to both UK-resident and non-UK resident clients.
The move forms part of RAW Capital Partners’ broader focus on supporting borrowers with more complex circumstances, including those based overseas, while offering greater control over long-term borrowing strategies.
Tim Parkes, CEO of RAW Capital Partners, said: “It’s the start of a new year, and we know that many landlords will be scrutinising their portfolios and their finances.”
For our clients, this new overpayment option gives them a straightforward way to reduce leverage, build equity and manage costs, without sacrificing the flexibility of an interest-only structure.
“Following the launch of our UK product last month, this enhancement further strengthens our proposition and reflects ongoing feedback from brokers and borrowers who are looking for greater optionality within their financing.
“I’m confident they’ll find great value in this new offering, and we’ll be announcing further improvements in the coming weeks.”
